Privacy Policy

Last Updated: November 19, 2024

This Privacy Policy describes how PaperMoney, Inc. (“PaperMoney,” “we,” “our,” or “us”) collects, uses, and discloses information collected through websites and mobile applications owned and operated by us that link to this Privacy Policy, such as the PaperMoney mobile app and our website (if applicable), as well as any other interactions (e.g., customer service and other communications) you may have with PaperMoney (collectively, the “Services”).

PLEASE READ THIS PRIVACY POLICY CAREFULLY TO UNDERSTAND HOW WE HANDLE YOUR INFORMATION. IF YOU DO NOT AGREE TO THIS PRIVACY POLICY, PLEASE DO NOT USE THE SERVICES.

1. Information We Collect

Information You Provide Directly:

Account Information: Name, email address, and other profile details you may upload.
Financial Information: Account balances, transaction details, budget categories, and other financial data you choose to upload or sync.
Customer Support: Contact details and any information you provide when reaching out for help.
Participation in Events: Information submitted for surveys, promotions, or events.
Device Integrations: If you allow integration with device apps (e.g., contacts or photos), we collect data based on your app and device settings.

Information via Financial Data Sources:

If you choose to link financial accounts (e.g., banks or cryptocurrency wallets) to your PaperMoney account, we collect transaction data, balances, and holdings. Some integrations may require credentials or API keys. By connecting accounts, you agree to the terms and privacy policies of third-party financial sources.

Information from Other Sources:

Other users of the Services.
Payment providers for processing transactions.
Security and analytics providers to protect and improve the Services.

Automatically Collected Information:

Device Details: Browser, operating system, IP address, and unique device identifiers.
Usage Data: Pages or features accessed, session duration, crash reports, and other app interactions.
Location Data: General location derived from your IP address or GPS (when permitted).

2. How We Use Your Information

We use your information to:

Provide and improve the Services.
Personalize your experience.
Process payments and maintain your account.
Communicate about operational updates or promotions.
Analyze usage trends and troubleshoot issues.
Secure the Services and prevent fraud.
Comply with legal obligations and enforce terms.
Any other purpose with your consent.

3. Cookies and Similar Technologies

We use cookies and similar technologies to enhance your experience. These include:

Cookies: Small files stored on your device to save preferences and gather analytics.
Tracking Pixels: Tags used for measuring ad performance and email engagement.
SDKs: Embedded tools for app functionality and third-party data collection.

You can manage cookie preferences through your browser settings, but certain features may not function properly if cookies are disabled.

4. Online Analytics and Advertising

We use third-party analytics tools like Google Analytics to understand usage patterns. You can opt out of Google Analytics by installing their opt-out browser add-on.

For personalized ads, we may work with third-party advertising partners who use cookies and other tools to deliver interest-based ads. You can opt out via the Network Advertising Initiative or Digital Advertising Alliance.

5. How We Share Your Information

We do not share your financial data with third parties for their marketing purposes. However, we may share data:

With service providers for app functionality, analytics, and customer support.
With financial data sources to facilitate account integrations.
To comply with laws or protect our rights and those of others.
During corporate transactions, like mergers or acquisitions.
With your consent or at your direction.

6. How We Protect Your Information

We use technical, organizational, and physical safeguards to protect your information. However, no system is completely secure. If you suspect unauthorized use of your account, contact us immediately.

7. Retention of Information

We retain your data as long as necessary to provide the Services or comply with legal obligations.

8. Third-Party Links and Features

Our Services may link to third-party sites or tools. We are not responsible for their privacy practices. Review their policies before sharing data.

9. Children’s Privacy

The Services are not for users under 13 years old. If we learn we have collected information from a child, we will delete it promptly.

10. Your Choices

Marketing Communications: Opt out by following the unsubscribe link in emails or contacting us.
Cookies: Adjust your browser settings to manage cookies.
Account Management: Update or delete your account information through the app or by contacting us.

11. Notice to California and Nevada Residents

We do not sell personal information. California and Nevada residents can submit privacy-related requests as outlined in their respective laws.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. The “Last Updated” date reflects the most recent changes. Continued use of the Services indicates your acceptance of updates.

13. Contact Information

For questions or concerns, contact us at:

PaperMoney, Inc.
support@getpaper.money